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MARKETS / NYSE / KB
NYSE · COMMERCIAL BANKS, NEC · LARGE CAP

KB Financial Group Inc. KB

10 fiscal years on record · KRW · FY2024 reported · SEC filings only
KRW 5.1T
▲ 10.5% YoY
KRW 3.7T
▼ 2.0% YoY
In brief

What this company does

The company's subsidiaries engage in commercial banking, credit cards, asset management, non-life and life insurance, capital markets activities and international banking and finance. As of December 31, 2025, it held consolidated total assets of ₩798 trillion, consolidated total deposits of ₩462 trillion and consolidated total equity of ₩61 trillion. Its retail customer base numbered approximately 39.0 million on that date. Credit and related financial services are provided to individuals, small- and medium-sized enterprises and large corporate customers, along with deposit products for individuals and enterprises of all sizes, predominantly through Kookmin Bank. Kookmin Bank had 415,671 small- and medium-sized enterprise borrowers and 1,810 large corporate borrowers for Won-currency loans as of December 31, 2025. It counted approximately 13.6 million credit cardholders as of December 31, 2025. KB Insurance sells non-life insurance products, among them long-term products for retail customers with coverage periods of at least three years and ranging up to 30 years. KB Securities ran a brokerage network of 74 branches and sub-branches in Korea and generated commission income of ₩779 billion from securities brokerage in 2025.

Written from the business description in KB Financial Group Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 28 April 2026. Every sentence was checked against that document before publication.

Growth
Revenue, FY2024 · full 10-year series below
Revenue KRW T Net income KRW T
FY2023 · Revenue 16.2 · Net income 4.6
8T16T2015201620172018201920202021202220232024
Compound annual growth
+9.1%
+8.4%
+4.8%
+8.9%
+5.3%
+8.7%
−23.1%
−16.0%
+33.5%
+19.4%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +8.4% a year over five years.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability
Operating margin Net margin
FY2023 · Operating 39.3% · Net 27.9%
20%40%2015201620172018201920202021202220232024
ROE
FY2024 · ROE 8.9%
5%10%2015201620172018201920202021202220232024

Each KRW of equity produced 9 cents of profit this year.

Cash & shareholders
KRW 2.51T
returned in FY2024 · dividends + net buybacks
Free cash flow KRW T
FY2024 · FCF 3.7
4T8T-4T-8T2015201620172018201920202021202220232024
Net buybacks KRW T Dividends KRW T
FY2024 · Dividends 1.7 · Net buybacks 0.8
1T2TDividendsNet buybacks2015201620172018201920202021202220232024

KRW 1.69T in dividends and KRW 820.0B in buybacks — 49% of the year's profit went back to shareholders.

Total assetsKRW 757.85T
EquityKRW 57.89T
CashKRW 24.61T
DepositsKRW 435.69T

Equity funds 8% of total assets.

The 10-year record
10 fiscal years
Every figure from documents filed with the SEC · KRW
row low → row highnegative
Metric 2024202320222021202020192018201720162015
Revenue KRW B·16229.113780.614483.612492.611431.910859.710192.27444.9·
Operating income KRW B8045.36385.05234.46097.64634.34489.94267.54015.31676.91821.1
EBITDA KRW B8961.67250.96051.26948.25509.25274.34676.34385.71965.62078.4
Income tax KRW B1956.61593.81504.11697.21264.41220.61239.6795.0438.5437.4
Net income KRW B5078.24594.84112.54409.53468.43311.33061.23311.42143.71698.3
Free cash flow KRW B3683.03758.74463.6−2312.0−8835.88792.0−9409.9−5134.4727.81964.4
EPS, diluted KRW 12726.0011218.009998.0010890.008730.008387.007676.008257.005559.004376.00
Dividend / sh KRW 804.00·2190.001770.002210.001920.001920.001250.00980.00·
Payout %33293824252325151818
ROE %8.98.48.19.78.68.98.810.26.9·
Shares out B·······0.420.390.39

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance
Company facts, as filed
How we verify · 1 failures in 29 reconciliationsAUDITED

Reconciled in 9 of 19 fiscal years. 28 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente1 failures
ActivityCommercial Banks, NEC
Listed onNYSE
Incorporated inoutside the United States — SEC code M5
Fiscal year endsDecember 31
Data on record since2015

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